Debt collection
BMO Bank debt collection complaints
Consumers have filed 180 complaints about BMO Bank's debt collection, 51 in the last 12 months (+55%). BMO Bank answered 100% on time and closed 12% with relief. See the whole BMO Bank record.
BMO Bank against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | BMO Bank | 51 | 100% | 12% |
Latest BMO Bank debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 1, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Oct 9, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Sep 23, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Fixed |
| Sep 2, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Aug 26, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Aug 26, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Jul 31, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 14, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jul 9, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Jul 7, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 2, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jun 16, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jun 16, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 11, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 11, 2026 | Debt collection | Took or threatened to take negative or legal actionCollected or attempted to collect exempt funds | Explained |
| Jun 10, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 5, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| May 9, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| May 7, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Apr 27, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 24, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 23, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 23, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Apr 23, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 9, 2026 | Debt collection | Electronic communicationsYou told them to stop contacting you, but they keep trying | Explained |
| Apr 8, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Mar 28, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Mar 22, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Mar 10, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Mar 6, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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